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IssuerAmerican Express
NetworkAmex
Annual fee$375/year
Foreign tx feeNone
Regular APR19.49% – 28.49%
Approval band700+ estimated

American Express® Business Gold Card

Public card facts for browsing and comparison. Fynn estimates fit and value after it knows your profile; issuer terms and approval decisions can change.

Welcome offer
200,000 points welcome
Min score
700+
Base earn
1x

Earning rates

Top 2 eligible categories each billing cycle (from 6 categories)4× · cap $150,000
Flights & pre-paid hotels booked on AmexTravel.com3×
All other purchases1×

Current offer

200,000 after spending $15,000 in the first 3 months.

Credits

Flexible Business Credit

Up to $20 in statement credits each month (up to $240 annually) for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required.

$240

Walmart+ Credit

Statement credit for one monthly Walmart+ membership after you pay for Walmart+ each month with the card (up to $12.95 per month plus applicable taxes; Plus Ups not eligible).

$155

Perks

  • Flexible 4× categories
  • No foreign transaction fees
  • Cell phone protection
  • Hotel collection benefits
  • Purchase protection
  • Pay over time flexibility

Source and disclosures

We use issuer and application pages as the primary source where available. Terms, bonuses, APRs, credits, and eligibility rules can change without notice, so confirm current details on the issuer page before applying.